Genda udafite amafaranga, genda ukoresheje ubwenge – Imbere mu gihe kizaza cy'uburyo bwo kwishyurana mu buryo budafite amafaranga

Muraho ahazaza h'ubucuruzi: Ikoranabuhanga ridafite amafaranga

Ese wari ubizi?imashini igurishaMu 2022, ibicuruzwa byagurishijwe byazamutseho 11% mu kwishyurana nta mafaranga no gukoresha ikoranabuhanga? Ibi byatumye habaho 67% bitangaje by'ibikorwa byose.

Uko imyitwarire y'abaguzi ihinduka vuba, imwe mu mpinduka zikomeye ni uburyo abantu bagura. Abaguzi bakunze gukoresha amakarita yabo cyangwa telefoni zigendanwa mu kwishyura kuruta kwishyura bakoresheje amafaranga. Kubera iyo mpamvu, ubucuruzi n'abacuruzi batanga uburyo bwo kwishyura hakoreshejwe ikoranabuhanga kugira ngo bakomeze guhatana no guhaza ibyifuzo by'abakiriya babo.

Uburyo bwo kugurisha ibicuruzwa

Ivuka ry'imashini zigurisha amafaranga zidafite amafaranga riri guhindura uburyo duhaha. Izi mashini ntizikiri izitanga utuntu n'ibinyobwa gusa, ahubwo zahindutse imashini zigezweho zo kugurisha. Iyi Trend ibera no kuriimashini zicuruza ikawa, imashini zikoresha ikawan'imashini zicuruza ibiryo n'ibinyobwa n'ibindi.

Izi mashini zigezweho zigurisha ibicuruzwa zitanga ubwoko bwinshi bw'ibicuruzwa kuva ku bikoresho by'ikoranabuhanga n'amavuta yo kwisiga kugeza ku biribwa bishya ndetse n'ibintu by'agaciro.

Iyi gahunda yo kwishyurana hakoreshejwe ikoranabuhanga idasaba amafaranga, iterwa no koroshya ibintu kandi itanga inyungu nyinshi ku bigo.

Gucuruza nta mafaranga bitanga uburyo bwo gukurikirana ibicuruzwa mu buryo bufatika, kunoza imikorere y'ibicuruzwa, no gushingira ku makuru y'ibyo abakiriya bagura. Ni inyungu ku bakiriya ndetse n'ibigo!

Ni iki cyatumye habaho ihinduka ry’uburyo bwo gukoresha amafaranga mu buryo butari ubwa cashless?

Muri iki gihe abakiriya bakunda ibikorwa byo kwishyura bidakoresheje uburyo bworoshye bwo gukoranaho cyangwa gukoresha amafaranga, kandi byihuse, byoroshye kandi binoze. Ntibashaka guhangayikishwa no kugira amafaranga akwiye yo kwishyura.

Ku bakoresha imashini zigurisha ibicuruzwa, gukoresha amafaranga nta kiguzi bishobora koroshya akazi. Gucunga no gucunga amafaranga bishobora gutwara igihe kinini kandi bishobora guteza amakosa mu bantu.

Bikubiyemo kubara ibiceri n'inyemezabuguzi, kubishyira muri banki, no kugenzura neza ko imashini zifite amafaranga asigaye ahagije.

Gukoresha amafaranga nta kiguzi bikuraho iyi mirimo, bigatuma abacuruzi bashobora gushora imari yabo mu gihe cyabo n'umutungo wabo w'agaciro ahandi.

Amahitamo adakoresha amafaranga

• Abasoma amakarita y'inguzanyo n'ayo kubikuza ni amahitamo asanzwe.

• Uburyo bwo kwishyura kuri telefoni zigendanwa, ni ubundi buryo.

• Kwishyura kode ya QR nabyo bishobora kwitabwaho.

Ahazaza ho kugurisha nta mafaranga

Raporo ya Cantaloupe ikomeza ivuga ko ibikorwa byo guhaha mu buryo budafite amafaranga bizazamukaho hagati ya 6-8% mu byuma bicuruza ibiribwa n'ibinyobwa, iyo tuvuze ko kwiyongera kw'ibyo bicuruzwa bizakomeza kuba bihamye. Abantu bakunda koroherwa no guhaha, kandi kwishyura mu buryo budafite amafaranga bigira uruhare runini muri ubwo buryo bwo koroshya ibintu.